Karia

Karia Banking

Built-in

Seamless

Approvals

Payments

Accounts

Approvals

Payments

Accounts

Approvals

Payments

Accounts

Approvals

From instant reimbursements to real-time payments and card issuing – Karia's embedded banking makes novated lease management seamless, fast, and compliant.

Fuel

$5,024

Tyres

$256.50

Servicing

$245.70

Instant Reimbursements:

Employees can be reimbursed in real time for out-of-pocket vehicle expenses (fuel, charging, servicing, tyres). No more monthly batching. Just upload, scan, approve and pay.

30s

Real-Time Reimbursements

From upload to payout, Karia processes novated lease expenses in under 30 seconds — no batching, no delays.

Payments & Reconciliation:

Embedded payments infrastructure that supports vendor payments (e.g. dealerships, insurers, fuel networks), while tagging transactions against lease budgets for automated reconciliation

5mins +

Time Saved Per Expense

Every reimbursement saves over 5 minutes of manual admin — multiplied across your fleet, it adds up fast.

5mins +

Time Saved Per Expense

Every reimbursement saves over 5 minutes of manual admin — multiplied across your fleet, it adds up fast.

Built for Embedded Innovation

Finance That Moves With You

Novated leasing providers trust Karia to power their banking and payments infrastructure - reliably & securely

Advanced Invoicing

Smarter Financial Workflows

Simplify. Automate. Scale.

Work in real time with approvals, payments, and reconciliations that follow your workflow. Whether you manage 10 leases or 10,000, Karia scales with you — and drives results faster.

Payroll Update

Invoice Sent

Invoice Paid

Instant Reconcilliation

Smart Disbursement

30 Seconds

Easy to use

No spreadsheets. No delays. Just smooth, scalable finance.

Karia’s embedded banking stack transforms novated leasing operations — enabling real-time finance, intelligent compliance, and seamless employee experiences.

🧠 AI Reimbursements

Smarter, Faster Expense Claims

Snap. Scan. Sorted.

Our AI-driven novated FBT reimbursement engine automates the entire claim lifecycle — from upload to payout — in just seconds.

Reduce admin, speed up reimbursements, and ensure audit-ready compliance with minimal manual entry.

App Receipt Uploaded

AI Scan Complete

Claim Auto-Matched

Manager Approved

Reimbursement Payout

Total Time: Under 1 minute

Fuel

$5,024

Tyres

$256.50

Servicing

$245.70

buIlt for performance

Streamlined Solutions

With

Embedded Banking

Experience seamless transactions with our comprehensive digital finance platform.

Interactive Financial Dashboard

Customisable Spend Controls

Real-Time Data by Category (Fuel, Tyres, Servicing, etc.)

Included for free with Novated Management

Modern Banking

Modern Finance in

Motion

Modern banking meets novated leasing. Karia helps you unlock better decisions with smarter data — from category-based trends to revenue insights and account activity.

50%

Reduction in Admin Overhead Automated reimbursements, card controls, and payroll-linked deductions cut manual processing by up to 50%.

3x Faster

Payout Speed From approval to disbursement, reimbursements and supplier payments are processed up to 3x faster than legacy systems.

3x Faster

Payout Speed From approval to disbursement, reimbursements and supplier payments are processed up to 3x faster than legacy systems.

24/7

Embedded Monitoring Round-the-clock transaction monitoring and fraud detection built in — with instant alerts for anything unusual.

24/7

Embedded Monitoring Round-the-clock transaction monitoring and fraud detection built in — with instant alerts for anything unusual.

Integrations

Supercharge Your Workflow with Seamless Financial Integrations

Built-in banking meets built-in compatibility. Karia connects effortlessly with your favourite finance, payroll, and ERP systems — so reimbursements, deductions, payments, and reconciliation run like clockwork.

From quote to compliance, every transaction is smarter.